Who Has the Cheapest Auto Insurance Quotes for Immigrants in Tampa?

The type of vehicle that needs insurance is one of the main factors when trying to find cheap auto insurance for immigrants. Vehicles with lower acceleration and performance, good safety features, or a low likelihood of liability claims will cost much less to insure than higher performance models. The next table ranks car insurance costs for a handful of the most affordable vehicles to insure in Florida.

Cheapest Vehicles to Insure in Tampa, FL
Make, Model, and Trim Level Estimated Cost for Full Coverage
Ford Escape Limited 2WD $1,946
Toyota Prius $2,107
Honda CR-V EX-L 2WD $2,129
Volkswagen Jetta LE 4-Dr Sedan $2,250
Jeep Wrangler Sport Islander Package 4WD 2-Dr $2,281
Chevrolet Malibu LT $2,291
Honda Civic LX-S 4-Dr Sedan $2,328
Ford F-150 XL Crew Cab 2WD $2,338
Honda Odyssey LX $2,362
Toyota Tacoma X-Runner 2WD $2,372
Jeep Grand Cherokee SRT-8 4WD $2,412
Toyota Corolla XRS $2,417
GMC Sierra 2500HD SLE Crew Cab 4WD $2,412
Kia Optima LX $2,415
Ford Explorer XLT AWD $2,418
Ford Edge Limited 2WD $2,423
GMC Sierra 3500HD SLE Extended Cab 2WD $2,455
Toyota RAV4 Limited 2WD $2,465
Ford F-350 Super Cab Lariat 2WD $2,499
Chevrolet Impala LT $2,536
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Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Table data does not factor in specific Tampa, FL garaging location which can modify coverage rates considerably.

Based upon the table data, you can figure that makes and models like the Ford Escape, Toyota Prius, Honda CR-V, and Volkswagen Jetta should be the most affordable vehicles to insure for foreigners.

For foreigners, one of the largest considerations that determine the amount you pay each year for auto insurance is where you live in Tampa. Areas with increased crime or more people will most likely have higher rates, whereas less populated areas have the gratification of cheaper auto insurance rates.

The table below sorts the most costly cities in Florida for immigrants to purchase a policy in. Tampa is ranked at #8 with an annual cost of $2,558 for the average policyholder, which is approximately $213 per month.

How much does car insurance cost in Tampa, FL?
Rank City Annual Rate
1 Hialeah $3,523
2 Miami Gardens $3,277
3 Miami $3,145
4 Miami Beach $3,043
5 Miramar $2,683
6 West Palm Beach $2,625
7 Fort Lauderdale $2,576
8 Tampa $2,558
9 Coral Springs $2,549
10 Pompano Beach $2,543
11 Hollywood $2,526
12 Davie $2,473
13 Pembroke Pines $2,431
14 Brandon $2,322
15 St. Petersburg $2,219
16 Clearwater $2,194
17 Spring Hill $2,102
18 Orlando $2,069
19 Jacksonville $2,040
20 Port St. Lucie $1,935
21 Lakeland $1,883
22 Cape Coral $1,841
23 Palm Bay $1,733
24 Tallahassee $1,731
25 Gainesville $1,646
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Rate quotes are estimated as vehicle location can increase or decrease rates noticeably.

Shopping around for cheap insurance is tough enough, and deciding which company quotes the best car insurance rates for immigrants takes even more work. Each insurance company has a proprietary method to establish rates, so we’ll take a look at the car insurance companies with the most affordable rates in Florida.

It’s a good idea to know that Tampa car insurance rates are impacted by many factors that control your annual premium. This price variability is why it is critical to spend some time comparing rates to find cheap car insurance quotes for immigrants. Rates are determined by many things and change substantially, so the best company when you last compared rates may now be wasting a lot of money.

Best Car Insurance Prices for Migrants

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Cheapest Florida auto insurance companies
Rank Company Cost Per Year
1 USAA $957
2 Electric $1,694
3 Amica $1,694
4 Progressive $1,829
5 Travelers $1,888
6 Mercury $1,933
7 Allied $2,004
8 Esurance $2,082
9 State Farm $2,131
10 Auto-Owners $2,171
11 GEICO $2,172
12 Allstate $2,388
13 21st Century $2,445
14 Windhaven Insurance $2,549
15 Safeco $2,898
16 MetLife $2,958
17 Hanover $3,024
18 Liberty Mutual $3,131
19 United Automobile $3,527
20 Direct General $3,942
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USAA quotes some of the lowest car insurance rates in Tampa at around $957 per year. This is $1,491 less than the average price paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers also make the cut as some of the cheaper Tampa, FL auto insurance companies.

As the example above demonstrates, if you are a policyholder with Electric and switched to USAA, you might achieve savings of in the neighborhood of $737. Drivers with Amica may save as much as $737 a year, and Progressive policyholders might cut rates by $872 a year.

To find the cheapest coverage for you, click here to get quotes or visit any of the low-priced companies below.

It’s important to note that these premiums are averages for all drivers and vehicles in Florida and do not factor in an exact zip code location for immigrants. So the auto insurance company that is best suited for you may not even be in the list above. That points out the importance of why you need to compare prices as often as possible using your own driver data and vehicle information.

Comparison of full coverage and liability-only policies

Buying cheaper car insurance is the goal of the majority of drivers, and one great way to pay lower rates for insurance for immigrants is to only buy liability coverage. The information below illustrates the difference between insurance costs with full coverage and liability only. The premiums are based on no claims or driving violations, $100 deductibles, drivers are single, and no discounts are applied to the premium.

Averaged for all ages 20 through 70, full coverage on your policy costs an extra $2,385 per year over and above liability only. At some point, almost every driver questions if buying full coverage is a good investment. There isn’t a steadfast formula of when to stop paying for physical damage insurance, but there is a general guideline you can use. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

For example, let’s assume your vehicle’s book value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $6,000 after you pay the deductible. If you are paying more than $600 a year to have full coverage, then it may be the right time to buy liability only.

The chart below illustrates how choosing a deductible can increase or decrease insurance premiums when quoting cheap insurance for immigrants. The price estimates are based on a single male driver, full coverage, and no discounts are factored in.

The data above shows that a 30-year-old driver could lower their car insurance rates by $384 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $582 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old, could save $1,126 annually by choosing larger deductibles on their policy. If you do decide to increase your deductibles, it’s a good idea to have plenty of money set aside to be able to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

The importance of shopping around

Tampa car insurance rates are based on many factors that control the price you have to pay. Simply improving your credit, becoming a homeowner, or getting a ticket for careless driving may cause policy rate changes that can make some companies much cheaper than others. In addition, auto insurance companies file new Florida auto insurance rates without warning to adjust for heavy claims or excess profits. Heavy losses can result in higher rates, while lower claims can result in lower-cost Tampa car insurance rates.

To help illustrate this point, the chart below shows which companies have the cheapest car insurance in Tampa, FL for a 40-year-old female driver with no accidents, a clean driving record, and excellent credit. If we estimate prices based on her current situation, USAA might offer the cheapest car insurance rates in Tampa at $1,533 each year. This is $915 less than the average price paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers are the rest of the cheapest Tampa, FL auto insurance companies.

The example below compares rates after we give the driver in the first example an accident surcharge, a lower credit rating, and a traffic ticket or two. Since each company has a proprietary formula for setting prices, comparing quotes may now result in a different ranking of cheap Tampa auto insurance companies as shown below.

USAA now has the cheapest auto insurance in Tampa with Allied, Esurance, State Farm, and GEICO completing the list. This example illustrates why consumers need to perform a complete rate comparison when trying to get the lowest insurance rates for immigrants.

Insurance rates can be altered by many factors and can increase or decrease at any time, so the most economical company the last time you shopped your coverage around may now be wasting a lot of money.

The insurance agents in Tampa listed below are a good start to help you determine which coverages are best, as many people would rather have a little guidance when shopping around for cheaper insurance for immigrants. It’s not always easy to find the cheapest car insurance policy, so insurance agents licensed in the state of Florida can give you peace of mind knowing you have decent coverage if you have a claim. To locate a Tampa car insurance agency close to where you live, click the button at the bottom of the list.

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